Operates as a private sector bank in India, taking deposits and making loans across retail, corporate and treasury lines. Retail Banking is the largest contributor at 68.9% of period segment revenue (₹4,236.89 crore YTD as of 2024-12-31), generating income from individual customer accounts, mortgages, gold loans, and MSME lending. Treasury Operations add 22.8% (₹1,399.77 crore) from investments in government securities and other fixed-income assets, while Corporate/Wholesale Banking accounts for 6.5% (₹402.38 crore) from business lending. As of Q1 FY27, deposits stand at ₹74,482 crore (+20% YoY) and advances at ₹59,951 crore (+17% YoY), with a net interest margin of 3.35% and cost of deposits at 6.75%. The bank employs 11,554 staff and plans to reach about 500 branches by FY27 year-end. Asset quality metrics include gross NPAs at 2.43% and net NPAs at 0.84% in Q1 FY27, with capital adequacy at 17.03%. Mortgage disbursements grew 35% YoY in Q1 FY27, and the gold loan book is kept at 20-22% of the overall book with a conservative 75% LTV cap. Tier II Bonds of ₹400 crore are rated CARE AA-, with a ₹2,000 crore Certificate of Deposit programme rated CARE A1+. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking (69%), Treasury Operations (23%), Corporate / Wholesale Banking (7%), Other Banking Operations (2%). Mid-size private sector bank, retail-heavy, expanding deposits and mortgage book with conservative LTVs.
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 288 | 466 | 536 | 615 | 732 |
| EPS, as reported (₹) | 9.26 | 14.96 | 17.18 | 19.63 | 23.01 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 1,606 | (1,566) | (1,240) | (3,098) | 4,588 |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 210 | 204 | 238 | 212 | 243 | 249 | 273 | 287 |
| Net profit | 155 | 151 | 177 | 157 | 184 | 185 | 206 | 213 |
| EPS (₹) | 4.96 | 4.83 | 5.64 | 5.00 | 5.84 | 5.76 | 6.39 | 6.62 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · DCB Bank publishes notice on special window for physical shares dematerialisation | compliance | minimal | — | — |
| 9 Sept 2026 · RBI approves ICICI Prudential AMC to acquire up to 9.95% stake in DCB Bank | ownership changes | high | — | — |
| 31 Aug 2026 · DCB Bank allots 30,275 equity shares to employees under ESOP | capital market events | low | — | — |
| 27 Aug 2026 · DCB Bank denies material info behind PE capital infusion news | fund raising | high | — | — |
| 26 Aug 2026 · DCB Bank clarifies on PE capital infusion rumours, says nothing material to disclose | regulatory legal | high | — | — |
| 26 Aug 2026 · DCB Bank asked to clarify news on PE capital infusion talks | fund raising | medium | — | — |
| 13 Aug 2026 · DCB Bank participated in Equirus investor conference | investor communications | low | — | — |
| 7 Aug 2026 · DCB Bank to attend Equirus Annual India Conference on Aug 13 | board shareholder meetings | low | — | — |
| 6 Aug 2026 · DCB Bank sells 9.65% stake in Saksham Gram Credit for Rs 9.55 Cr | strategic transactions | medium | — | — |
| 6 Aug 2026 · DCB Bank shareholders approve Chairman appointment via postal ballot | board shareholder meetings | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 9.2 | 12.4 | 5 of 20 | 79% |
| Profit growth | 35.6 | 29.5 | 7 of 20 | 68% |
| Market cap | 7287 | 48154 | 18 of 20 | 11% |
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| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
